. >> does it change when mr. carney takes over? is he the right man >> on paper he's a central banker and as i wrote over the weekend, he like governor king has incredible toughness, work ethic, sxermt teaexpertise. but that's not everything. because if that was the case, everything would be wonderful. one would hope the bank of england governor has those qualities. so the question is can he work effectively with the banking vukts. we have a committee structure now for financial policy and for prudential regulation which the bank of canada does not. more importantly, when you say what are they going dto do, the challenges mr. carney faced as governor of the huang of england were frankly much easier. he deserves credit for not messing it up, but you had a commodity economy with good demographics where the banking system was safe because they had already been through a horrendous financial crisis a few years before and had locked everything down. and then capital in-flows. so nothing that bad could happen to the -- i don't mean to ma